How many credit cards do you have?

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kalph09 said:
Am not sure of this varies with each state. Here (Blore), we are able to get it LTF if min salary-in-hand condition is met.
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It's not state wise or something

Maybe your org is one of the partner orgs for HDFC that's why LTF Millennia
guest_999 said:
CB card was launched with much fanfare but as expected the sever misuse already started its downfall starting with monthly cb limit reduction from 10k to 5k. You probably use it on major known ecomm platforms like amazon/fk/myntra etc but ppl already started complaining about various travel portals incorrectly calculating cb as "travel-railway" category a few weeks back 7 the situation is only going to get worse.
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Again that's the thing if payment gateway MCCs are incorrect then it's not the fault of SBI. I'm not shilling SBI but I've received over 40k cashback since Oct.
 
I have lost count of my credit cards

Accumulated cards of almost all banks. Most of them free of charge.
Closed a few of them recently but still there are many left which are unused.

I primarily use Magnus, Axis vistara, amex platinum travel, tata neu hdfc, bob eterna.

It's a mess now for me. But I will suggest to keep just 3-4 primary cards that you will use regularly.
 
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My CC expenses aren't 50k pm, but I have 5 CCs: Axis FK, Amazon (LTF), ICICI Platinum (LTF), HDFC Milennia (LTF) & SBI Simplyclick.

I paid the issue charge for Axis & SBI CCs, but meet their annual spend requirement to forego AMC.

My main CC is Axis FK because of 1.5% cashback anywhere.
 
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anmolkumar10 said:
I have lost count of my credit cards
Closed a few of them recently but still there are many left which are unused.
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anmolkumar10 said:
I primarily use Magnus, Axis vistara, amex platinum travel, tata neu hdfc, bob eterna.

It's a mess now for me. But I will suggest to keep just 3-4 primary cards that you will use regularly.
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There's an impending devaluation of Magnus goin around in online circles, you aware of that?
 
I tried applying for SBI card online. They claim to have a fully online process. They take me to Digilocker, which kept getting stuck on mobile and Firefox.
Finally I tried on Edge, it just gave an error saying access denied.
Then it asked for my address. After entering the address, it said "We can't process your application due to internal policy".

I am at a complete loss as to what internal policy was triggered by my address that caused my application to be denied immediately. I guess I'm done trying to get SBI card.

Anyone using One card?
anmolkumar10 said:
I primarily use Magnus, Axis vistara, amex platinum travel, tata neu hdfc, bob eterna.
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OMEGA44-XT said:
Axis FK, Amazon (LTF), ICICI Platinum (LTF), HDFC Milennia (LTF) & SBI Simplyclick.
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What specific features of BoB Eterna and ICICI Platinum make them attractive for you guys?

Also, how do you handle the bill payments? Just rely on memory and SMSs or use something like Cred?
 
Slayer69 said:
There's an impending devaluation of Magnus goin around in online circles, you aware of that?
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Yes I have been hearing those.
Will convert the points asap to some miles. Recently I went to Bali using Magnus points to Krisflyer miles conversion.

I use airmiles a lot. Will convert remaining points to Vistara, Krisflyer and Turkish miles soon before it gets devalued .

Currently Magnus is amazing if you spend 1lac+ in a month.
 
gourav said:
I guess I'm done trying to get SBI card
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their portal is bad.

Go to any mall they will give you SBI card forcefully
gourav said:
What specific features of BoB Eterna and ICICI Platinum make them attractive for you guys?
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Bob eterna is good for online transactions.
With milestone rewards it is very good in terms of returns.
Also you can convert the points to cash.
Slayer69 said:
As a bottle opener
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That's the best use of this card
gourav said:
Cred
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Yes cred for now
 
Slayer69 said:
Nowadays most credit cards are overlapping in a lot of ways

Milennia and Cashback

Amazon Pay Axis Flopkart Axis Airtel
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I use Axis Ace for 2% offline cashback and SBI Cashback for 5% online the most. Au has been providing recurring discounts for hyperlocal grocery deliveries for several months, so it is good till it lasts. Kept the HDFC card for the 1-2 big offers than turn up in the year and because it is a Rupay card. Kept a separate ICICI card because the Amazon Pay doesn't work for ICICI offers in general. Kept a Citi one mainly for restaurant offers but that would probably be the first one to close after it rebrand to Axis.
 
t3chg33k said:
I use Axis Ace for 2% offline cashback and SBI Cashback for 5% online the most. Au has been providing recurring discounts for hyperlocal grocery deliveries for several months, so it is good till it lasts. Kept the HDFC card for the 1-2 big offers than turn up in the year and because it is a Rupay card. Kept a separate ICICI card because the Amazon Pay doesn't work for ICICI offers in general. Kept a Citi one mainly for restaurant offers but that would probably be the first one to close after it rebrand to Axis.
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Sad to not hear about any HNI cards
 
gourav said:
I tried applying for SBI card online. They claim to have a fully online process. They take me to Digilocker, which kept getting stuck on mobile and Firefox.
Finally I tried on Edge, it just gave an error saying access denied.
Then it asked for my address. After entering the address, it said "We can't process your application due to internal policy".

I am at a complete loss as to what internal policy was triggered by my address that caused my application to be denied immediately. I guess I'm done trying to get SBI card.

Anyone using One card?



What specific features of BoB Eterna and ICICI Platinum make them attractive for you guys?

Also, how do you handle the bill payments? Just rely on memory and SMSs or use something like Cred?
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I want an ICICI CC for ICICI offers, so LTF platinum card is a good choice. If amazon CC worked with ICICI offers, I wouldn't have got the platinum CC (maybe just to get amazon CC issued as myself & 2 other friends had to get platinum CC before amazon CC was approved).

I do use cred. A new startup like CheQ is its alternative.
 
Slayer69 said:
Again that's the thing if payment gateway MCCs are incorrect then it's not the fault of SBI. I'm not shilling SBI but I've received over 40k cashback since Oct.
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You spent 8 lakhs in 9 months only on sbi cb card? I hope you file at least 10-12 lakh ITR usually.
 
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